In short referred to as CIL Insurance's "Online Terms".
Read these Online Terms to understand how CIL Insurance:
1. About CIL Insurance's online sites
1.1 CIL Insurance is a trading division of AAI Limited (ABN 48 005 297 807) (for the purposes of these Online Terms AAI Limited is referred to as "CIL Insurance", "we" or "us" where appropriate) operates CIL Insurance sites ("Online Site" or "Online Sites"), including our:
1.1.1 main website (www.cilinsurance.com.au) ("Main Site");
1.1.2 claim management application (“Your Claim Manager”);
1.1.3 claim assistance application (“CIL iClaim Assist”); and
1.1.4 social media site(s) ("Social Media Site" or "Social Media Sites") as operated from time to time.
When providing financial services in Australia CIL Insurance acts as the insurance issuer and underwriter, and holds Australian Financial Services Licence no. 230859.
Please be aware that certain parts of our Main Site may be displayed and operate within a Social Media Site (for example, as an application or ‘app’). By this we mean that a Social Media Site we operate may provide a secure insurance quote request facility. If you make a quote request on our Main Site your transaction will be conducted over a secure internet connection – see term 25.3 for details. Our Main Site may additionally function as a Social Media Site, which means that the information and content you submit to a social media section of our Main Site will be freely visible to other website users. Any social media sections of our Main Site will be either clear to you from their design, or we will otherwise inform you of their public nature. Any information or content you supply to our Social Media Site(s) will be treated by CIL Insurance in accordance with terms 7, 23 and 25, and otherwise in accordance with these Online Terms (as relevant).
1.2 CIL Insurance may operate an Online Site for its own benefit and/or for the benefit of one or more of its related bodies corporate, which collectively form the Suncorp Group of companies in Australia and New Zealand ("Suncorp Group").
1.5 CIL Insurance owns and operates the Main Site and the Mobile Site (which forms part of the Main Site) and the CIL iClaim Assist app. These Online Sites include all web pages under or forming part of the domain name cilinsurance.com.au and m.cilinsurance.com.au (as relevant). Our Mobile Site is designed for use by portable electronic devices such as smart phones or tablet computers. CIL Insurance disclaims that our Mobile Site may not operate (or may not operate fully) on some types of portable electronic devices. If you experience difficulty in accessing or using our Mobile Site, you should access our Main Site (www.cilinsurance.com.au) using a modern web browser on a personal computer with a screen diameter or 10 inches or greater.
2. Links to other websites
2.1 An Online Site may contain links to other websites (including other social media websites) which are owned or operated by third parties independent of CIL Insurance ("Third Party Sites"). CIL Insurance does not sponsor, endorse or approve of the operators of Third Party Sites, or material (including services, information, graphics, or data) which is located on such Third Party Sites ("Third Party Material").
2.2 An Online Site may contain or link to information about special offers, deals or promotions by persons not related to or part of CIL Insurance ("Third Party Offers"). CIL Insurance does not sponsor, endorse or approve of any Third Party Offers or Third Party Material associated with these offers.
2.3 Subject to any applicable law which cannot be excluded, CIL Insurance makes no warranties or representations:
2.3.1 regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Sites; or
2.3.2 that Third Party Material does not infringe the intellectual property rights of any person.
2.4 CIL Insurance is not authorising the reproduction of Third Party Material by linking Site Content to Third Party Material.
2.5 When following a link on an Online Site, material at a Third Party Site may be displayed in your browser framed by Site Content. This material is also Third Party Material for the purpose of these Online Terms.
3. Your privacy
3.1 Your privacy and security is important to CIL Insurance. Read terms 22 to 30 for information (the 'Privacy Statement' component) about how CIL Insurance handles the information you provide it when you use one of our Online Sites.
4. CIL Insurance's Main Site: product information and insurance quote requests / CIL iClaim Assist
4.1. Main Site content
The CIL Insurance Main Site contains both information of a general nature about CIL Insurance and CIL Insurance's products and services, and also enables you to request certain insurance quotes online. The Main Site also allows you to separately contact CIL Insurance with a general query.
4.2 Completing insurance quote requests on the Main Site
4.2.1 An insurance quote request ("Quote Request") by you via the Main Site does not constitute a contract of insurance between you and CIL Insurance. Once a Quote Request is received by CIL Insurance's customer service centre, a CIL Insurance representative will contact you to discuss your insurance needs. An offer of insurance may then be provided by CIL Insurance however such an offer remains subject to (1) acceptance by you and (2) CIL Insurance's receipt of the required premium, prior to any insurance cover being provided. CIL Insurance's representative will confirm with you how a policy purchase can be made.
4.2.2 When making a Quote Request transaction via the Main Site, the transaction will not be completed until an "Electronic Instruction" (being any electronic instruction, information, message, request or communication issued or transmitted to CIL Insurance via the Main Site) containing the Quote Request from you has been received and processed by CIL Insurance, and any specific steps or requirements as set out in this term 4, have been complied with.
4.2.3 You acknowledge that the transmission of your Quote Request, made through an Electronic Instruction, may not be received by CIL Insurance in accordance with this term 4 for reasons beyond either parties' reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems.
4.2.4 You further acknowledge that, to the extent permitted by law, CIL Insurance is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Main Site, or any failure to receive an Electronic Instruction for whatever reason.
4.3 Your Claim Manager
Your Claim Manager (which forms part of our Main Site) enables you to view and manage certain claim related information for certain CIL Insurance policy types. Please note Your Claim Manager is available for Caravan Insurance, Motorhome Insurance, Camper Trailer Insurance, 5th Wheeler Insurance, Slide On Insurance, Relocatable Home Insurance and Horse Float Insurance. The terms in this term 4.3 are relevant only to those CIL Insurance policies for which the relevant Your Claim Manager functionality is available. In addition to the remainder of these Online Terms, the specific terms in this term 4.3 apply to Your Claim Manager.
4.3.1 Accessing Your Claim Manager
220.127.116.11 Your Claim Manager is only accessible to you if you have “logged in” by providing certain details as requested by CIL Insurance on the log-in, registration and/or authentication pages of CIL Insurance, relating to you (this information is your “Login”). You will only be able to “log-in”, generate a Login, and use Your Claim Manager if you hold at least one current CIL insurance policy for which Your Claim Manager is available.
18.104.22.168 The username component of your Login will be a valid email address you select. You should select an email that only you have access to, since we may communicate with you using that address.
22.214.171.124 If you hold a policy for which Your Claim Manager is available, and that policy is held in a company, trust or similar single entity name (rather than a person’s first and surname), you will need to call CIL on 1800 177 095 to register for Your Claim Manager. We can do this for you in a few minutes, since our online registration page doesn’t currently cater for certain policy name types.
126.96.36.199 You must not provide details of your Login to any other person. You must not allow any other person to use your Login.
188.8.131.52 You must not use Your Claim Manager to access or modify the details of another person’s insurance claim without their clear authority. Criminal penalties may apply if you do so.
4.3.2 Viewing your claims in Your Claim Manager
When you register for Your Claim Manager you will be asked to nominate a current CIL insurance policy for which Your Claim Manager is available. Once you have registered, you will be able to view accessible claim records under that policy. If you hold multiple policies for which Your Claim Manager is available, you will be able to use your single Login to view accessible claims from each of those policies, so long as we have permitted your policies to be linked under the same CIL Insurance client number.
4.3.3 Permitted transactions using Your Claim Manager
During an active claim displayed within Your Claim Manager paying your claim excess or completing another permitted transaction. In the case of a claim excess payment, you must provide all valid and requested payment card information to us, and your transaction will only be complete when we receive all required payment information by way of your electronic communication to us, and that information is recorded on our relevant database. We may or may not issue you a paper confirmation of an excess payment transaction. Please contact us if you require a receipt for any excess payment you make to us. Your Claim Manager can take up to 5 business days to update your claim excess payment status.
4.3.4 Termination of Your Claim Manager Access
Term 17 of these Online Terms applies in full.
4.4 CIL iClaim Assist
5. User identification/Passwords, Valuation tools, calculators, games and other features
5.1 Certain parts of our Online Sites may only be accessible through the use of identification and passwords. If you are, or have been assigned a user identification and password for access to these restricted areas, you are responsible for maintaining the security and confidentiality of your password and the information contained in the restricted areas. You are responsible for all activities undertaken using your user identification and password. If you are no longer eligible or no longer entitled to use your identification and password allocated to you, your access will be immediately revoked. You must immediately notify us should this occur. We may revoke your access at any time without notice and without giving you a reason.
5.2 Our Online Sites may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. Our Online Sites may also contain other useful information such as product reviews, travel destination information or caravan towing or RV use advice. This term 5 does not cover the provision of any financial product advice - refer to term 11.
5.3 Whilst CIL Insurance has undertaken reasonable steps to ensure that any such features, information or advice as described in term
5.2 above are accurate and free from defect, CIL Insurance does not warrant the accuracy, adequacy, correctness or completeness of these features, information or advice, which are provided on an "as is" basis. The use or reliance by you of any of these features, information or advice provided is entirely at your own risk. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
6. CIL Insurance's standard terms and acceptance criteria apply
All Quote Requests made via the Main Site are subject to and must comply with CIL Insurance's normal acceptance criteria and are governed by the normal terms and conditions applying to each product or service requested. The terms and conditions of the insurance products CIL Insurance offers are contained in our Product Disclosure Statements. These documents can be accessed on the Main Site by following the headings, "Insurance – Product Disclosure Statement".
7. Social media content you submit to our Social Media Sites
7.1 When a user of any of our Social Media Sites ("Social Media Site User") submits any personal information or materials via a Social Media Site including text, comments, recordings, images or otherwise ("Social Media Site User Content"), the Social Media Site User, unless CIL Insurance advises otherwise , licenses and grants CIL Insurance, its affiliates and sub-licensees a non-exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display such Social Media Site User Content for any purpose in any media (including but not limited to, company brochures and other marketing and/or advertising material), without compensation, restriction on use, attribution or liability. CIL Insurance qualifies this term 7.1 by stating that any recruitment application or related correspondence, which is not provided by way of an open public forum or other public process will be treated by CIL Insurance in accordance with the Privacy Statement component of these Online Terms, which begins at term 22.
7.2 Users agree that they are fully responsible for the Social Media Site User Content they submit. CIL Insurance shall not be liable in any way for such Social Media Site User Content to the full extent permitted by law and shall not be deemed or considered to in any way authorise, endorse, approve or support any material submitted by any Social Media Site User. CIL Insurance may screen and/or remove and/or request that the third party operator of any social media site or website remove any Social Media Site User Content without notice for any reason whatsoever. Social Media Site Users warrant and agree that: (a) they will not submit any Social Media Site User Content that is unlawful, fraudulent, or which may breach any intellectual property rights, privacy, publicity or other right, or is unreasonably commercial (for example, a 'guerrilla marketing' attempt), defamatory, obscene, profane, derogatory, pornographic, sexually inappropriate, violent, abusive, harassing, threatening, objectionable with respect to race, religion, origin or gender, not suitable for children aged under 15, misleading or deceptive, or otherwise unsuitable for publication; (b) they will obtain prior consent to the submission of their Social Media Site User Content from all persons who appear in (for example, in photographs) or have any rights in relation to any property that appears in or forms part of their Social Media Site User Content; (c) their Social Media Site User Content will be their own original work and, to the extent that any rights in that work (including copyright) are not owned by the Social Media Site User, they will obtain full prior consent from any person who has jointly created or has any rights in the Social Media Site User Content, to the uses and terms herein; (d) their Social Media Site User Content shall not contain viruses or cause injury or harm to any person or entity or device; and (e) they will comply with all applicable laws and regulations, including without limitation, those governing copyright, content, defamation, privacy, publicity and the access or use of others' computer, mobile communications device or any other communication systems.
7.3 Without limiting any other terms herein, the Social Media Site User agrees to indemnify CIL Insurance (and any of its related bodies corporate) for any loss or expense CIL Insurance and/or any of its related bodies corporate may suffer in relation to any breach of the above terms.
7.4 Social Media Site Users consent to any use of their Social Media Site User Content in accordance with term 7 which may otherwise infringe their moral rights pursuant to the Copyright Act 1968, including CIL Insurance or its affiliates and sub-licensees using and reproducing that Social Media Site User Content without attributing it to the Social Media Site User, or making modifications or adaptations to the Social Media Site User Content for the purpose of reproducing, publishing or displaying that modified or adapted content in another media. Social Media Site Users warrant and agree that they will, prior to its submission, obtain an equivalent consent from each other person who has created the Social Media Site User Content. The Social Media Site User agrees to indemnify CIL Insurance (and any of its related bodies corporate) against all costs and claims by third parties arising from a breach of this warranty.
Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, CIL Insurance does not warrant the accuracy, adequacy or completeness of Site Content or any Online Site User Content or any Social Media Site User Content, on any of its Online Sites. All information is subject to change without notice. CIL Insurance does not guarantee that any Online Site or any Third Party Site will be free from viruses, or that access to any Online Site or Third Party Site will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.
9. Limitation of Liability
Subject to any responsibilities implied by law and which cannot be excluded, CIL Insurance, and its directors, employees, agents, contractors and related bodies corporate, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to any Site Content, Online Site User Content, Social Media Site User Content, Third Party Material, third party services, or to access (or lack of access) to an Online Site (or website operated by any member of the Suncorp Group) by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.
You indemnify CIL Insurance (and any of its related bodies corporate) in respect of any liability incurred by CIL Insurance (or any of its related bodies corporate) for any loss, cost, damage or expense, howsoever caused, suffered by CIL Insurance (or any of its related bodies corporate) as a result of your breach of these Online Terms or your use of any of our Online Sites.
11. Financial product advice
From time to time our Online Sites may provide you with general advice in relation to CIL Insurance products. If such general advice is provided via our Online Site it will not have taken into account your particular financial or insurance position or requirements. CIL Insurance suggests that you seek independent advice before acting upon any general advice, Site Content or any information found on a Third Party Site. If any general advice is provided in relation to a CIL Insurance product, you should always refer to the relevant PDS before making a decision to purchase or hold or dispose of that product. Copies of our PDSs are available on this website.
12. Availability of an Online Site
12.1 Since electronic services are subject to interruption or breakdown, access to an Online Site is offered on an "as is" and "as available" basis only.
12.2 CIL Insurance may impose limits or restrictions on the use you may make of an Online Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Online Terms, CIL Insurance may withdraw an Online Site (of part thereof) at any time and without notice to you.
12.3 Any cost associated with accessing an Online Site is the user's responsibility and is dependent on the internet or telecommunications service provider used.
13. Restrictions on use of an Online Site
The Site Content contained on any Online Site is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using any of CIL Insurance's Online Sites, you agree to abide by the terms and conditions of use contained in this term and term 14.
You agree that you will not, (either yourself or through any third party):
13.1 use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any web pages on any of our Online Sites, or any of the information, content or data contained within or accessible through any of our Online Sites, without CIL Insurance's prior written permission;
13.2 use any Automated Process to aggregate or combine information, content or data contained within or accessible through any of our Online Sites with information, content or data accessible via or sourced from any third party;
13.3 use any information on or accessed through any of our Online Sites for any commercial purpose (including but not limited to market research, the provision of pricing estimates or 'shadow shopping') or otherwise (either directly or indirectly) for profit or gain;
13.4 use any device, software, process or routine to interfere or attempt to interfere with the proper working of any of our Online Sites or any transaction or process being conducted on or through it;
13.5 take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to any of our Online Sites;
13.6 reverse engineer, reverse assemble, decompile or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with any of our Online Sites; or
13.7 copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from any of our Online Sites without CIL Insurance's prior written permission.
14. No use of any Online Site for unrelated persons
You must only use our Online Sites (as permitted by their design) to:
14.1 obtain Quote Requests;
14.2 obtain other information relating to the price of insurance cover from CIL Insurance;
14.3 conduct insurance related transactions or queries;
in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.
You agree not to otherwise use any of our Online Sites to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from CIL Insurance or conduct insurance-related transactions or queries.
You also agree to indemnify CIL Insurance in respect of any liability incurred by CIL Insurance for any loss, cost, damage or expense, howsoever caused, suffered by CIL Insurance as a result of your breach of this term 14.
15. Third party providers
16. Copyright and Trademarks
16.1 Copyright in the Material on an Online Site is owned or licensed by CIL Insurance.
16.2 Except where necessary for and incidental to viewing or using the Site Content on an Online Site via your web-enabled browser (whether on a personal computer or on a portable electronic device), or as permitted under the Copyright Act 1968 or other applicable laws, no Site Content on an Online Site may be reproduced, stored (for any period of time) in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of CIL Insurance.
16.3 CIL Insurance and each of its related bodies corporate separately reserve their copyright and all other legal rights with respect to their trademarks, whether registered or otherwise. "CIL Insurance Caravan and RV Insurance" and "CIL Insurance The RV Insurance Leaders" are both registered trademarks of CIL Insurance.
16.4 Third party trademarks are trademarks of the respective third parties.
17.1 Termination of these Online Terms
Unless otherwise stated in this term 17, these Online Terms and/or your access to our Online Site(s) may be terminated at any time by CIL Insurance. You may terminate your use of our Online Sites at anytime. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of CIL Insurance, will survive any termination. Upon termination, you must not directly or indirectly access or use the relevant Online Site(s) or any Site Content on the relevant Online Site(s).
17.2 Termination of access to Your Claim Manager
We reserve the right to terminate your access to Your Claim Manager at any time upon notice to you. You must terminate your access and/or use of Your Claim Manager if you are no longer a policyholder under the relevant CIL Insurance policy. You agree to fully indemnify us for any cost, loss or damage, however caused, arising from your continued use of Your Claim Manager if you are no longer a policyholder. You may terminate your access to Your Claim Manager at any time upon notice to us. That notice must be given to us by email to firstname.lastname@example.org you must provide sufficient identifying information along with your request. However, such termination will not be effective until notice of that termination is received, processed and acknowledged by us. The limitation of liability expressed in term 17.1 also applies to the termination of Your Claim Manager.
17.3 Prohibition on access post termination
Upon termination of these Online Terms and/or your right to access to our Online Site(s), you must not directly or indirectly access or use any part of our Online Site(s) or any Site Content.
18. Acceptance of and changes to these Online Terms
18.1 You acknowledge and accept that your use of an Online Site indicates your acceptance of these Online Terms.
19. CIL Insurance's complaints resolution process
19.1 If you are dissatisfied with your dealings with CIL Insurance in relation to your use of an Online Site please let us know by emailing us at email@example.com
19.2 We will review your email and contact you with a reply or to ask you for further information, if it's required. If you make a complaint and it is about a CIL Insurance policy or insurance claim, you may have additional rights of appeal, such as under CIL Insurance's formal dispute resolution process. We will tell you if that is the case. See the "Insurance - Resolving Complaints" tab on our Main Site for more information about how CIL Insurance resolves complaints.
20.1 An Online Site may be viewed and interacted with by anyone in the world, however age limits may apply to certain Site Content (including the offer or issue of any insurance product), promotions or offers.
20.2 CIL Insurance only offers its insurance products for sale within Australia. Different products or product features may be provided within different Australian states and territories.
20.3 The law applicable to an Online Site (including CIL Insurance's operation of any Social Media Site), and to complaints arising from an Online Site is the law of the State of Queensland, Australia, unless the complaint relates to an insurance contract in which case relevant state or federal law will apply. By using any of our Online Sites, and except for an insurance contract dispute, you irrevocably submit to the non-exclusive jurisdiction of the courts of the State of Queensland, Australia, and appeal therefrom.
20.4 Should any term or part of these Online Terms be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.
20.5 You may not rely on the words or conduct of CIL Insurance as a waiver of any right unless the waiver is in writing. In this term "conduct" includes delay in the exercise of any right. "Right" means any right of CIL Insurance arising under or in connection with these Online Terms or otherwise, and includes the right to rely on this term. "Waiver" includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppel.
21. Linking to any of our Online Sites
Unauthorised linking to any part of an Online Site (including any part of a Social Media Site or website operated by a related body corporate that is part of the Suncorp Group) is expressly prohibited. Please contact us if you would like to link to any party of our Online Site(s). Only written permission from us will constitute authorisation of a link.
22. Our Online Terms Privacy Statement starts here
22.2 These Online Terms explain CIL Insurance's policy for handling personal information which you may provide to us as you access and/or use an Online Site. CIL Insurance encourages you to review these Online Terms periodically as they may be updated from time to time.
22.3 In addition to the provisions of these Online Terms there may also be additional privacy provisions that apply to your use of an Online Site or as a result of your membership (or your application for membership) of a third party social media website that hosts a CIL Insurance Social Media Site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.
23. Your Security and Privacy
23.1 CIL Insurance understands that you, as a visitor or user of an Online Site, are concerned about the security and privacy of information we may gain about you online. CIL Insurance is committed to respecting your privacy and, at all times, complies with its obligations under Australian privacy law.
23.2 CIL Insurance values the personal information you provide us and will take reasonable precautions to prevent unauthorised access to that information.
23.3 Notwithstanding any other term in these Online Terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an Online Site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download. See terms 7 and 25 for further information about the public display of your content.
24. Sending electronic messages to CIL Insurance
24.1 Unless otherwise stated, when you send CIL Insurance an electronic message (whether email or otherwise), the content of your message and any email or machine address is retained by us for only as long as it takes to respond to your inquiry or provide you with what you've requested, unless you provide us with your permission to retain that information for longer or where we believe there is a legal reason to retain the information for a longer period.
24.2 Unless otherwise stated, when you post a public comment or upload other public data to an Online Site, that information may be displayed by CIL Insurance publically in accordance with terms 7, 23 and 25. Your information may also be retained by CIL Insurance where we believe there is a legal reason to retain it for a longer period.
25. Information collected and how we use it
25.1 General Information
25.1.1 The information we will collect about you will depend on how you use an Online Site.
25.1.2 If you use an Online Site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.
25.1.3 An Online Site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally do not, capture any personal information which you may enter when using these tools.
25.2 Personal information submitted to an Online Site
25.2.1 When a user of an Online Site ("Online Site User"), including any Social Media Site User referred to in term 7 above, submits any personal information via an Online Site, whether in the form of text, comments, recordings, images or otherwise ("Online Site User Content") (for the avoidance of doubt, Online Site User Content includes Social Media Site User Content, as far as is relevant in the circumstances), the Online Site User consents to that personal information being collected by CIL Insurance and used and disclosed for any purpose permitted by these Online Terms, and otherwise as permitted by relevant privacy laws in Australia.
25.2.2 We collect your personal information and use it for the purpose of identifying you, establishing your requirements and providing products and services, setting up and managing our products and services, assessing and managing a claim and understanding your needs and improving our products and services through research, product development and training.
25.2.3 CIL Insurance is part of the Suncorp Group and we disclose your personal information to all related companies within this Group. The other Suncorp Group companies use and disclose your personal information for the purposes described above in relation to any products and services they may provide to you. Other companies in the Suncorp Group may also use your personal information for the purposes of providing products and services to other customers (but will not disclose your personal information to any other customer without your consent).
25.2.4 We may disclose your personal information to and/or collect your personal information from other companies within the Group; any joint ventures where authorised or required; information technology providers, such as hardware/software vendors and programmers; customer or market research organisations; intermediaries such as your agent, adviser, broker, a representative acting on your behalf, other Australian Financial Services Licensees, or our own authorised representatives and agents; policyholders, where you are an insured person, but not the policyholder; government, law enforcement or statutory bodies; Financial Ombudsman Service; other insurers, financial institutions, insurance and claims reference agencies, credit agencies, loss assessors, financiers, and investigative service providers ; in the case of a relationship with a corporate partner such as a bank or credit union, the corporate partner and any new incoming insurer; legal, accounting, finance and other professional advisers; hospitals, medical and health professionals; administration or business management services; printers, mail service and delivery providers and imaging and document management services.
25.2.5 In the case of personal information which is provided to CIL Insurance for public display by a Social Media Site User (this includes any 'tweet' you send to CIL Insurance on Twitter, which we may "re-tweet" to other Twitter users), CIL Insurance may display that information to other Online Site Users or otherwise display the Online Site User Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material). See also term 7 for what other uses and/or disclosures CIL Insurance may make of a Social Media Site User's personal information and what limits it imposes.
25.2.6 CIL Insurance may collect personal information belonging to an Online Site User, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require CIL Insurance to disclose an Online Site User's personal information to one or more third parties, including but not limited to agents or external service providers.
25.3 Security of personal information submitted to our Main Site
All personal information you provide to our Main Site over the internet (including when our Main Site is operating within a Social Media Site as described in term 1) while inquiring about insurance or sending a Quote Request is passed through a secure, encrypted connection. The secure connection is over a protocol called secure sockets layer (SSL). CIL Insurance uses a strong form of SSL encryption (128-bit), which provides a very high level of protection against unauthorised access in order to prevent unauthorised persons from reading the information you send to CIL Insurance while it is in transit over the internet. Once your personal information has been received at our Main Site, we take all reasonable precautions to securely pass that information to the CIL Insurance’s client contact system. Our client contact system is not directly accessible through the internet. No details you provide to us are stored on a web server.
26. Entering a promotion via an Online Site: collection and use of information
26.1 If you decide to enter a promotion that is made available or otherwise advertised on an Online Site you will need to agree to that promotion's separate terms and conditions, which will be drawn to your attention as part of the entry process.
26.2 If a promotion's terms and conditions include opting into the promoter's marketing communications, you can change your mind and unsubscribe (subject to any specific restrictions for the relevant promotion) by contacting the promoter on the contact details provided in their promotional terms.
27. Your privacy rights and complaint resolution
27.1 If CIL Insurance has collected your personal information through your use of a an Online Site, then you have a right to access, update or correct that personal information, with some limitations as permitted by Australian law. You also have the right to make a complaint about your privacy. You should direct any information access/correction request or privacy concern relating to your use of an Online Site by emailing us at firstname.lastname@example.org
PO Box 384, Gosford NSW 2250
27.2 We will review your correspondence and contact you with a reply or to ask you for further information, if it's required. If you make a complaint about your privacy you may have additional rights of appeal, such as under CIL Insurance’s formal dispute resolution process. We will tell you if that is the case. See the "Insurance – Resolving Complaints" tab on our Main Site for more information about how CIL Insurance resolves privacy complaints.
28. Third Party Sites (including third party social media sites)
Our Online Sites may contain links to Third Party Sites (see term 2). Third Party Sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
29.2 Cookies are used by CIL Insurance on its Main Site. Therefore, if you wish to make full use of the Main Site, or any of our other Online Sites, it is recommended that you accept cookies. Cookies may also be used to collect and use information for a range of purposes, including; to maintain and improve the operation of internet sites across the Suncorp Group; to track user preferences and product requirements to customise Suncorp Group internet sites and improve advertising relevance. We may also have an arrangement with third parties who may use our cookies to improve our advertising relevance to you on their sites.
30. The personal information of other people
30.1 You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to CIL Insurance via an Online Site, including any Social Media Site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant Australian privacy laws. If you are not sure whether the other person would agree with you providing their personal information to CIL Insurance, please exercise caution and do not provide it to us.
31. These Online Terms are dated 28 June 2013.